Texas is not a no-fault state, which means that who caused an accident plays an important role in determining who pays for the damage. If you were at fault, you will be the party responsible for payment. Luckily, if you’re insured, the insurance company will cover most of it.
How is fault determined?
Insurance adjusters will examine both the site of the accident and the damage to the vehicles. The information that is gained from these observations will allow them to determine who was at fault in most cases. If one of the drivers was committing a traffic violation that led to the accident, they’ll be ruled to be at fault.
Can you admit fault in a car accident?
If you were at fault in an accident, it is possible to admit fault. However, you should not do this unless you are certain that you’ll be ruled at fault by the adjusters otherwise. In most cases, it’s best to avoid admitting fault because you might not know about all of the factors that led to the crash.
What happens if you were at fault?
If you are at fault, your insurance company will pay for much of the damage, but you’ll be responsible for your deductible if you have one. In addition, the accident will impact your future car insurance rates, and the specific increase in your rate will depend on the severity of the accident and the circumstances of the crash.
What happens if the other driver was at fault?
If the other driver was at fault for the accident, your insurance policy will not be responsible for covering damage to the other driver’s vehicle or their medical bills. In addition, the accident will not be likely to result in a significant increase in your auto insurance premium.
We’ll cover expenses that are associated with an accident
As a Texas auto insurance agency, we are familiar with the unique needs of people who reside in the state, Furthermore, you can get a quote quickly by filling out the contact form on our website or giving us a call!